Safe, strong & secure

"No one has ever lost a penny of deposits insured by the Federal Deposit Insurance Corporation held in community banks. No one."

Your Information Security

PLEASE NOTE: Midland National Bank will never request private or confidential information or ask you to verify such information through email. Please report such requests to the bank or to local law enforcement authorities.

• Protect Your Account Information
• Protect Your Identity
• Don't Get “Phished”
• Consumer Resources

Consumers need to keep five tips in mind for managing their checking accounts and safeguarding their funds from unauthorized transfers by criminals. Criminals may use a consumer's account information to create a demand draft (sometimes called a "remotely created check") drawn on the consumer's account, or to make an electronic transfer from the consumer's account. The Federal Reserve Board's website offers consumers advice on how to protect and manage their accounts:

• Don't give your account number and bank routing information to anyone you don't know.
• Review your monthly statement.
• Notify your bank about any problems as soon as possible.
• If you don't have enough money in your account, don't write the check or authorize the debit.
• Know your rights under consumer protection laws.

Protect Your Identity

Over 27 million Americans have experienced identity theft and the incident rate continues increasing every year. Substantial measures are in place at Midland National Bank to protect your identity and your accounts against theft and fraud. For example, our Privacy Policy protects your personal and financial information. Multi-Factor Authentication (MFA) for your online transactions helps to assure online security. When you use our online services, you will select a unique ICON and create a secret password that only you know. Additionally, encryption software makes it possible to "scramble" the data that is transmitted back and forth between Midland and our online customers. This data "scrambling" protects account information so it cannot be intercepted and read by an unauthorized third party.

With all the abovementioned security measures in place, maximum security is possible only with your help. Here are ways you can help reduce the threat of identity theft:

• Do not give out financial information such as checking and credit card numbers, or your Social Security number, unless you know the person or organization.
• Report lost or stolen checks immediately. We will block payment on them.
• Notify us immediately of suspicious telephone inquiries such as those asking for account information to "verify a statement" or to "award a prize".
• Closely guard your Debit Card or ATM card, personal identification number (PIN), and receipts.
• Shred any financial solicitations (e.g. credit card mailings) and bank statements before disposing of them. Midland National Bank periodically offers free shredding service. Watch for information about these events!
• Put outgoing mail into a secure, official U.S. Postal Service collection box.
• If regular bills fail to reach you, call the company to find out why. It's possible someone has fraudulently changed your mailing address.
• If your bills include questionable items, don't ignore them. Instead, investigate immediately to head off any possible fraud.
• Periodically contact the major credit reporting companies to review your file and make certain the information is correct.

Internet “phishing” scams are one of the fastest-growing frauds. Phishing typically involves a bogus e-mail message that uses legitimate materials, such as a company's web site graphics and logos, in an attempt to entice e-mail recipients to provide personal financial details, such as credit card numbers, account numbers and Social Security numbers.

Like many other scams, phishing preys upon the unwary. Hear are a few tips that will help you fight back against this form of electronic fraud.

• Never respond to an unsolicited e-mail asking you for financial information or account numbers. Always know whom you are dealing with.
• Report anything suspicious to your bank and/or to law enforcement authorities. In addition, alert the agency identified in the suspect e-mail using a telephone number or e-mail address that you know is legitimate.

The Department of Justice advises e-mail users to “stop, look and call” if they receive a suspicious e-mail.

• STOP : Resist the urge to immediately respond to a suspicious e-mail – and to provide the information requested – despite urgent or exaggerated claims.
• LOOK : Read the text of the e-mail several times and ask yourself why the information being requested would really be needed.
• CALL : If you have any doubt about the legitimacy of an e-mail, contact the organization identified, using a name and number that you know to be legitimate.

If you think you have been “phished” immediately contact your financial institution as well as the three major credit bureaus and ask that a fraud alert be placed on your credit report. Contact information for the credit bureaus is shown above.

Consumer Resources

The internet is a great tool for information and for conducting online business, as long as consumers take the appropriate. The consumer information links below can assist consumers in locating information and providing guidance on how to file complaints when appropriate.

• Federal Trade Commission (FTC) Consumer Response Center http://www.ftc.gov/
  You may file a complain with the FTC against a company or organization that you believe has cheated you by contacting the Consumer Response Center by telephone: 877-FTC-HELP
• FirstGov (Your First Click to the U.S. Government) http://www.firstgov.gov/
  “FirstGov” is a free-access website designed to give a centralized place to find information from local, state, and U.S. Government Agency website. Consumers may call the toll-free number at 800-FED-INFO.
• Consumer.gov http://www.consumer.gov/
  “Consumer.gov” is a one-stop link to a broad range of federal information resources available online.
• Social Security Administration http://www.ssa.gov/
  Call to report fraud: 800-269-0271
• Identity Theft Resource Center http://www.idtheftcenter.org/
  Call to report ID theft: 858-693-7935